WallStSmart

Mastercard Inc (MA)vsOppFi Inc (OPFI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mastercard Inc generates 9881% more annual revenue ($33.94B vs $340.04M). MA leads profitability with a 45.9% profit margin vs 19.4%. OPFI trades at a lower P/E of 4.2x. MA earns a higher WallStSmart Score of 70/100 (B).

MA

Strong Buy

70

out of 100

Grade: B

Growth: 8.0Profit: 10.0Value: 5.0Quality: 5.5
Piotroski: 6/9Altman Z: 4.08

OPFI

Buy

55

out of 100

Grade: C-

Growth: 6.0Profit: 9.5Value: 6.7Quality: 4.5
Piotroski: 3/9Altman Z: 2.88

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MA6 strengths · Avg: 9.7/10
Market CapQuality
$440.93B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
231.6%10/10

Every $100 of equity generates 232 in profit

Profit MarginProfitability
45.9%10/10

Keeps 46 of every $100 in revenue as profit

Operating MarginProfitability
60.8%10/10

Strong operational efficiency at 60.8%

Altman Z-ScoreHealth
4.0810/10

Safe zone — low bankruptcy risk

Revenue GrowthGrowth
15.8%8/10

15.8% revenue growth

OPFI4 strengths · Avg: 10.0/10
P/E RatioValuation
4.2x10/10

Attractively priced relative to earnings

Return on EquityProfitability
87.4%10/10

Every $100 of equity generates 87 in profit

Operating MarginProfitability
44.9%10/10

Strong operational efficiency at 44.9%

EPS GrowthGrowth
266.4%10/10

Earnings expanding 266.4% YoY

Areas to Watch

MA4 concerns · Avg: 2.8/10
PEG RatioValuation
1.544/10

Expensive relative to growth rate

P/E RatioValuation
28.9x4/10

Moderate valuation

Price/BookValuation
65.8x2/10

Trading at 65.8x book value

Debt/EquityHealth
2.821/10

Elevated debt levels

OPFI4 concerns · Avg: 2.3/10
Market CapQuality
$1.21B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-2.2%2/10

Revenue declined 2.2%

Debt/EquityHealth
3.981/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : MA

The strongest argument for MA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 45.9% and operating margin at 60.8%. Revenue growth of 15.8% demonstrates continued momentum.

Bull Case : OPFI

The strongest argument for OPFI centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 19.4% and operating margin at 44.9%.

Bear Case : MA

The primary concerns for MA are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 2.82 is elevated, increasing financial risk.

Bear Case : OPFI

The primary concerns for OPFI are Market Cap, Piotroski F-Score, Revenue Growth. Debt-to-equity of 3.98 is elevated, increasing financial risk.

Key Dynamics to Monitor

MA profiles as a growth stock while OPFI is a declining play — different risk/reward profiles.

OPFI carries more volatility with a beta of 1.81 — expect wider price swings.

MA is growing revenue faster at 15.8% — sustainability is the question.

MA generates stronger free cash flow (2.8B), providing more financial flexibility.

Bottom Line

MA scores higher overall (70/100 vs 55/100), backed by strong 45.9% margins and 15.8% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Mastercard Inc

FINANCIAL SERVICES · CREDIT SERVICES · USA

Mastercard Incorporated is an American multinational financial services corporation headquartered in the Mastercard International Global Headquarters in Purchase, New York. The Global Operations Headquarters is located in O'Fallon, Missouri, a municipality of St. Charles County, Missouri. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard brand debit, credit and prepaid cards to make purchases. Mastercard Worldwide has been a publicly traded company since 2006.

Visit Website →

OppFi Inc

FINANCIAL SERVICES · CREDIT SERVICES · USA

OppFi Inc. is a premier financial technology firm focused on delivering tailored consumer lending solutions to the underbanked population. By leveraging its proprietary platform and advanced data analytics, OppFi provides fair and transparent loan products that feature precise credit assessments powered by machine learning. The company's commitment to responsible lending not only empowers its customers but also positions it favorably for growth within the evolving fintech sector. As a publicly traded entity, OppFi is dedicated to driving innovation and expanding its market presence, reinforcing its mission to improve financial accessibility.

Want to dig deeper into these stocks?